Legal Notice

This page sets forth the terms and conditions under which American Property Insurance Company (“APIC” or “we”) provides the information on this web site, as well as the terms and conditions governing your use of this site. By making use of this web site, you agree to be bound by the terms and conditions that appear here. The terms and conditions are subject to updating at any time without notice. If at any time you do not accept the terms and conditions, do not access the web site or any of its pages. Changes to the terms and conditions take effect when posted to the web site.

We may terminate, change, suspend or discontinue any aspect of the web site, including the availability of any features of the web site, at any time.

Legal Notice – Web Site Usage Agreement Terms and Conditions

Laws and Regulations

Access to and use of this web site is subject to applicable federal, state and local laws and regulations.

Submissions

All information that you submit to APIC via this web site shall be deemed and remain the property of APIC. We shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides to us through this web site. We shall not be subject to any obligations regarding such information except as expressly indicated with respect to personally identifiable consumer information in our Privacy Policy or another privacy policy of APIC applying to a particular customer, or as required by law. You further recognize that we do not want you to provide (and we prohibit you from providing) any information or material to APIC that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another person or entity.

UserID/Password Use

While we cannot guarantee that information transmitted through the Internet is secure, for certain types of communications through this web site, APIC may require the use of available technologies or other precautions provided for your protection and/or require you to use user identification information (“userIDs”) and passwords. If you have been assigned a userID for access to restricted sections of this site, you are responsible for all activities executed under your userID and are the only one who may use it. You are responsible for protecting your userIDs and passwords from disclosure to third parties and you are not permitted to avoid the use of required encryption technologies. It is a violation of these terms and conditions for you to allow another person to use your userID and its associated passwords, use the userID and password assigned to another person, or attempt to gain access to resources for which you are not authorized. Accessing a computer without authorization or exceeding authorized access is a serious breach of security and may constitute a criminal act.
Warranty & Liability – Disclaimer

APIC specifically disclaims all warranties with respect to this web site or your use thereof. All information on the web site, including but not limited to graphics, text and links to other sites, is provided “as is” and “as available” and may be changed without prior notice. We do not warrant the content, quality, condition, accuracy, adequacy or completeness of this information.

Other than as required by applicable consumer protection law or insurance law, if any, in no event will APIC be liable for errors or omissions in this information or for any losses or damages, direct, indirect, incidental, special or consequential resulting from your use or misuse of, or reliance on, any such information. The information is provided without warranty of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or similar disabling devices. You are responsible for evaluating the accuracy, completeness or usefulness of any information, advice or other content available on this web site.

APIC expressly disclaims any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, special, incidental or consequential damages, losses or expenses arising in connection with your use of or inability to use this site or any other web site linked to this site, or in connection with any failure of performance, error, omission, interruption, virus, defect, or delay in operation or transmission, even if we are aware.
Copyright Policy

All of the information on this web site, including all text, graphics, software applications, video and audio files and photos (collectively, “Content”), and all rights in the pages and the screens displaying the pages are owned by APIC or affiliated entities or their licensors, protected by copyright under United States and foreign laws. You may not modify, reproduce, copy, distribute, transmit, display, publish, sell, license, create derivative works of or use any aspect of the web site or its Content for commercial or public purposes or on any other web site or in a networked computer environment or engage in any other redistribution or republication of the Content. You may create a text link to the home page of our web site at www.api-nj.com.com for legitimate business reasons on the condition that it is clear to the users that they are exiting your site and entering a new site, you do not frame or in-line our web site or its Content, and you do not create a false association or endorsement or otherwise misrepresent your relationship with APIC.
Additional Copyright Policy for Agents

Appointed agents and brokers in good standing with APIC may use and reproduce copies of this web site and it’s Content to conduct the authorized business of APIC. If you are not an appointed agent or broker in good standing, you may refer to, cite or print and use the Content for your personal, non-commercial use as long as your copies retain all copyright, trademark and other proprietary notices that appear on the original screens.

Trademarks and Service Marks

The “APIC” logo with the stream and the phrase “Partner with us…” are the intellectual property, trademarks and service marks of APIC. Other trademarks, service marks, trade names, logos, URLs, domain names and icons (“Marks”) appearing on this site, whether registered or not, are owned by APIC or its subsidiaries or affiliated entities, or their licensors. Nothing on this web site grants you any right or license to use any of the Marks without the express written permission of APIC or the third party owners of such Marks.
Hypertext Links to Third Party Sites

As a convenience to you, APIC may provide links to third party web sites, or permit third parties to link to this web site. Because these other web sites are not under our control, we cannot guarantee the quality, accuracy, timeliness or security of those web sites. A link to or from another web site does not imply an affiliation between APIC and the third party site owner or an endorsement of the third party site or any products or services that it describes. Your access to and use of any other Internet sites linked to or from this web site is at your own risk and we assume no obligation or liability in connection therewith. We may disable a link at any time and will remove any link from this web site at the third party site owner’s request.
Insurance Policies, Products and Services – Disclaimer

None of the information contained in this web site should be viewed as an offer to sell or as a solicitation to purchase any of our products or services. Rather, the information on our products and services is provided to you so that you can learn what products APIC generally offers (and the states where those products are offered). We may make improvements and/or changes in the products, services and/or programs described on this site at any time without notice.

Insurance coverage statements on this web site are for general description purposes only. This web site does not amend, modify or supplement any insurance policy. Consult the actual policy, your agent or contact us for the name of an agent who can supply you with details regarding terms, conditions, coverages, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to final determination of underwriting qualifications and acceptance by APIC or it’s underwriting service provider.

Further, this web site does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any such policy. Whether coverage exists or does not exist for any particular claim or loss under any such policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Variations in state law regarding the interpretation of insurance policies may exist, and any statements of coverage scope or intent in this summary are general in nature and are subject to change based on such variations. Availability of coverage referenced in this summary may be dependent upon state regulations.
Information for web users

When you visit api-nj.com, we gather non-personally identifiable information about your visit, including data such as the internet address of your computer, the type of browser you are using and which web pages referred you to our website. We collect this information so that we can analyze the use of our website and improve our services and your experience. For example, we may use this information to tell you about similar products or services that might be of interest to you.

We use cookies and other similar technologies to help improve api-nj.com. Cookies are small files that are stored on your computer. APIC does not store any personally identifiable information about you in these cookies. Cookies help us track visits to our website and learn more about how you are viewing and using our site. This allows us to personalize your experience when you return.

Choice of Law & International Users

This Usage Agreement shall be governed by the laws of the United States and of the New Jersey, without giving effect to its conflict of laws provisions. This Agreement constitutes the entire agreement between you and APIC with respect to your use of the web site.

This web site is controlled and operated by APIC from offices within the United States of America. We make no representation that materials at this web site are appropriate or available for use at other Filenames outside of the United States or that access to their content from all territories is legal. You may not use the web site or export the web site materials in violation of U.S. export laws and regulations. If you access this web site from locations outside of the United States, you are responsible for compliance with all local laws.